Here's what you can expect: If you're insured, you won't have to do a thing.

But if you aren't, the ACA means you have to buy health insurance by March 31 of next year.

In Kentucky, the number of uninsured is huge, at around 640,000 people.

The state says about half of them will qualify for Medicaid.

The others will be forced to buy health insurance.

A 22-year-old college student making about $20,000 could buy a plan for about $50 a month.

A family of four earning $70,000 could buy coverage for about $400.

There is a program called Kynect that pretty much explains it all, including exactly what you can expect to pay.

Frequently Asked Questions about Affordable Care Act for Kentuckians:

1. What is a health benefit exchange?

A health benefit exchange is an organized marketplace for individuals and employees of small businesses to shop for health insurance based on price and quality. In Kentucky, that marketplace is called kynect. Federal law requires each state to have an online health insurance marketplace to ensure that all Americans have access to quality healthcare.

2. Why was it created?

Gov. Steve Beshear issued an executive order to create a state-based health benefit exchange to best meet the needs of Kentuckians. Kynect, will provide simple, one-stop shopping for individuals and small businesses to purchase health insurance and receive payment assistance or tax credits.

3. How many Kentuckians are uninsured?

An estimated 640,000 Kentuckians are uninsured as of 2013, or 14.9 percent of the state's population or approximately one in six Kentuckians.

4. When will I be able to sign up for Kynect?

Open enrollment begins Oct. 1, 2013, and runs through March 31, 2014, with coverage beginning as soon as January 2014.

5. What happens if I don't have health insurance?

Beginning January 2014, most Americans will be required to have health insurance or pay a penalty. By using kynect to purchase a health insurance plan, you may be eligible for payment assistance to help cover the costs of coverage for you and your family. kynect will also check to see if you are eligible for programs like Medicaid or the Kentucky Children's Health Insurance Program.

6. I want health insurance, but I can't afford it. What will I do?

By using Kynect, you may receive payment assistance or tax credits to help cover the costs of coverage for you and your family. kynect will allow you to compare and select insurance plans, and find out if you qualify for programs like Medicaid or the Kentucky Children's Health Insurance Program.

7. What if I make too much money for Medicaid, but still can't afford to buy insurance?

Based on your household size and income, you may be eligible for payment assistance to help you pay for healthcare coverage you purchase through kynect.

8. Will it be easier for me to get coverage even if I have health problems?

Health insurance companies will no longer be able to reject people or charge more based on health status, beginning in January 2014.

9. I own a small business. Will I have to buy health insurance for my workers?

No small employer is required to provide insurance coverage. If you have a small business with fewer than 50 people, you won't face any penalties. In addition, if you own a small business with 25 or fewer employees, there may be significant tax credits available through kynect to help cover the cost of insurance. Businesses with 50 or more employees that don't provide health insurance may face penalties starting in 2015.

10. I already have health insurance, or I'm on Medicare. Do I have to buy a new plan?

Most people in Kentucky already have some form of health insurance, either provided through their jobs, Medicare, Medicaid, or through a private plan they've purchased on their own (such as for people who are self-employed).

If you already have health insurance, you don't have to do anything new or different.

"It is based on your income, so, if your income, let's say for instance, if you're a single individual, you can receive premium assistance if your income is below $45,800 a year,” said Carrie Banahan with the Kentucky Health Benefit Exchange.

If you don't purchase health insurance by the March deadline, you could face a penalty -- either $95 or 1 percent of your income, whichever is more.

WHILE THE BATTLE OVER THE AFFORDABLE CARE ACT HAS SHUT DOWN THE FEDERAL GOVERNMENT... A HISTORIC DAY IN HEALTH CARE BEGINS IN KENTUCKY. BUT IT CAME WITH A FEW GLITCHES. JESSICA OH SHOWS US ON HOW STATE AND LOCAL LEADERS ARE KICKING OFF KYNECT. FOR THE FIRST TIME.. TENS OF THOUSANDS OF PEOPLE IN KENTUCKY.. HAVE NEW OPTIONS FOR HEALTH COVERAGE... BEFORE DOORS OPENED FOR ENROLLMENT.. STATE AND CITY LEADERS KICKED OFF THE EVENT.. SAYING THERE'S AN URGENT NEED FOR BETTER HEALTH CARE OPTIONS.. AND THIS IS GOING TO MAKE A DIFFERENCE. HERE'S A BREAKDOWN OF WHAT THE AFFORDABLE CARE ACT DOES.. WHILE PROVIDING CHEAPER INSURANCE.. IT ALSO PUTS THE UN-INSURED ON A DEADLINE.. THEY HAVE TO PURCHASE IT BY MARCH 31ST OF NEXT YEAR.. OR THERE'S A PENALTY. WITH AROUND 100 THOUSAND PEOPLE IN LOUISVILLE ALONE.. WITHOUT INSURANCE.. STATE AND LOCAL LEADERS BELIEVE THE AFFORDABLE CARE ACT CAN HELP. BUT! THERE ARE SO MANY ASPECTS TO THE PLAN.. SO THE STATE'S PROVIDING A RELATIVELY EASY WAY FOR YOU TO FIGURE THINGS OUT.. THROUGH SOMETHING CALLED "KY-NECT" IT'S BASICALLY A ONE STOP SHOP FOR HEALTH INSURANCE.. WHERE YOU CAN GET QUOTES.. AND INFORMATION ON A HISTORIC CHANGE.. THAT WILL CHANGE NOT ONLY LOUISVILLE, OR EVEN KENTUCKY.. BUT THE ENTIRE NATION.. JESSICA OH WLKY NEWS THE KYNECT W EBSITE CRASHED TODAY... DUE TO THE NUMBER OF PEOPLE TRYING TO LOG IN. THE I-T DEPARTMENT WORKED THROUGH THE DAY TO FIX THE PROBLEM. TODAY'S ENROLLMENT AT J-C-T-C LASTS FOR ANOTHER HOUR. AND TOMORROW AT THE OLDHAM COUNTY PUBLIC HEALTH DEPARTMENT... ENROLLMENT IS OPEN FROM 10 TO 6. OR YOU CAN ENROLL AT THE SHELBY COUNTY EXTENSION OFFICE ON FRIDAY... IT'S ALSO OPEN FROM 10 TO 6. PEOPLE CAN ALSO CALL THE NUMBER ON YOUR SCREEN... 1-855 4-KYNECT... THAT'S 459-6328. INDIANA ALSO LAUNCHED A NEW WEBSITE FOR UNINSURED HOOSIERS. MORE THAN HALF A MILLION PEOPLE IN INDIANA CAN START USING THE SITE. WE HAVE LINKS TO THE INDIANA AND KENTUCKY HEALTH CARE EXCHANGES ON OUR WEBSITE... W-L-K-Y DOT-COM. JUST LOOK UNDER THE "ON T-V" SECTION.